Can I retire at age 43 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$144,513$143,226$141,970$140,744$139,547$138,033
2 years$71,541$70,209$68,918$67,666$66,451$64,926
3 years$47,220$45,882$44,594$43,354$42,159$40,671
4 years$35,062$33,728$32,453$31,234$30,068$28,629
5 years$27,769$26,443$25,185$23,991$22,858$21,470
6 years$22,909$21,593$20,353$19,186$18,086$16,753
7 years$19,439$18,134$16,914$15,774$14,709$13,431
8 years$16,837$15,544$14,344$13,232$12,203$10,979
9 years$14,815$13,534$12,355$11,271$10,276$9,107
10 years$13,198$11,929$10,771$9,716$8,756$7,641
11 years$11,876$10,620$9,483$8,455$7,530$6,468
12 years$10,775$9,532$8,416$7,417$6,526$5,514
13 years$9,844$8,614$7,519$6,548$5,691$4,730
14 years$9,047$7,830$6,756$5,812$4,988$4,076
15 years$8,357$7,153$6,099$5,184$4,392$3,528
16 years$7,753$6,563$5,530$4,641$3,882$3,063
17 years$7,221$6,044$5,032$4,170$3,442$2,668
18 years$6,749$5,585$4,594$3,758$3,060$2,329
19 years$6,327$5,176$4,205$3,396$2,728$2,038
20 years$5,948$4,810$3,859$3,076$2,436$1,787
21 years$5,605$4,480$3,550$2,791$2,180$1,569
22 years$5,294$4,182$3,272$2,538$1,954$1,379
23 years$5,010$3,911$3,021$2,311$1,754$1,214
24 years$4,750$3,665$2,794$2,108$1,577$1,070
25 years$4,512$3,439$2,588$1,925$1,419$944
26 years$4,292$3,232$2,400$1,760$1,278$833
27 years$4,089$3,042$2,229$1,611$1,152$736
28 years$3,900$2,866$2,072$1,476$1,040$650
29 years$3,725$2,704$1,928$1,354$939$575
30 years$3,562$2,554$1,796$1,242$848$509
31 years$3,410$2,414$1,674$1,141$767$451
32 years$3,268$2,284$1,562$1,049$694$399
33 years$3,134$2,163$1,458$964$628$353
34 years$3,009$2,050$1,363$887$568$313
35 years$2,891$1,945$1,274$817$515$278
36 years$2,779$1,846$1,192$752$467$246
37 years$2,674$1,753$1,116$693$423$218
38 years$2,575$1,666$1,045$639$383$194
39 years$2,481$1,584$979$589$348$172
40 years$2,393$1,507$917$543$315$152
41 years$2,308$1,435$860$501$286$135
42 years$2,228$1,366$807$463$260$120
43 years$2,152$1,302$757$427$236$106
44 years$2,079$1,241$711$394$214$94
45 years$2,010$1,183$667$364$194$84
46 years$1,944$1,129$627$336$176$74
47 years$1,881$1,077$589$311$160$66
48 years$1,821$1,028$553$287$145$59
49 years$1,764$982$520$265$132$52
50 years$1,709$938$489$245$120$46

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,750,000, adding $4,086 every year, while hoping to spend $38,859 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 58/37/5 Blend
42$1,750,000$1,750,000$1,750,000$1,750,000
43$1,932,715$1,839,965$1,812,840$2,042,805
44$2,088,506$1,888,777$1,832,224$2,165,926
45$2,258,885$1,938,679$1,850,956$2,295,265
46$2,445,300$1,989,683$1,868,971$2,435,247
47$2,649,344$2,041,800$1,886,204$2,586,891
48$2,872,770$2,095,042$1,902,586$2,751,321
49$3,117,512$2,149,418$1,918,041$2,929,770
50$3,385,696$2,204,938$1,932,494$3,123,598
51$3,679,667$2,261,609$1,945,862$3,334,303
52$4,002,004$2,319,439$1,958,059$3,563,532
53$4,355,550$2,378,434$1,968,996$3,813,099
54$4,743,437$2,438,597$1,978,578$4,085,003
55$5,169,112$2,499,933$1,986,705$4,381,444
56$5,636,373$2,562,442$1,993,272$4,704,844
57$6,149,406$2,626,125$1,998,170$5,057,874
58$6,712,820$2,690,979$2,001,282$5,443,472
59$7,331,690$2,757,000$2,002,488$5,864,875
60$8,011,612$2,824,182$2,001,661$6,325,650
61$8,758,747$2,892,517$1,998,667$6,829,726
62$9,579,883$2,961,994$1,993,366$7,381,429
63$10,482,498$3,032,599$1,985,611$7,985,528
64$11,474,833$3,104,317$1,975,249$8,647,274
65$12,565,964$3,177,126$1,962,117$9,372,454
66$13,765,892$3,251,005$1,946,048$10,167,442
67$15,085,636$3,325,928$1,926,864$11,039,261
68$16,537,337$3,401,864$1,904,380$11,995,651
69$18,134,369$3,478,779$1,878,400$13,045,137
70$19,891,470$3,556,635$1,848,723$14,197,114
71$21,824,879$3,635,389$1,815,134$15,461,933
72$23,952,487$3,714,993$1,777,411$16,851,000
73$26,294,007$3,795,394$1,735,320$18,376,882
74$28,871,160$3,876,533$1,688,618$20,053,427
75$31,707,881$3,958,346$1,637,050$21,895,896
76$34,830,541$4,040,761$1,580,347$23,921,102
77$38,268,199$4,123,701$1,518,231$26,147,574
78$42,052,874$4,207,080$1,450,410$28,595,731
79$46,219,847$4,290,807$1,376,579$31,288,070
80$50,807,995$4,374,780$1,296,418$34,249,385
81$55,860,156$4,458,890$1,209,593$37,506,997
82$61,423,534$4,543,019$1,115,757$41,091,014
83$67,550,146$4,627,037$1,014,546$45,034,613
84$74,297,305$4,710,807$905,578$49,374,355
85$81,728,172$4,794,178$788,457$54,150,531
86$89,912,343$4,876,990$662,767$59,407,539
87$98,926,508$4,959,068$528,076$65,194,307
88$108,855,175$5,040,226$383,930$71,564,756
89$119,791,469$5,120,263$229,857$78,578,303
90$131,838,006$5,198,963$65,365$86,300,428
91$145,107,866$5,276,096$0$94,803,292
92$159,725,656$5,351,412$0$104,172,294
93$175,828,690$5,424,649$0$114,493,292
94$193,568,281$5,495,521$0$125,859,399
95$213,111,169$5,563,725$0$138,377,071
96$234,641,098$5,628,937$0$152,163,624
97$258,360,546$5,690,812$0$167,348,340
98$284,492,639$5,748,978$0$184,073,689
99$313,283,254$5,803,044$0$202,496,672
100$345,003,341$5,852,588$0$222,790,308